Episodes
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Buy To Let or sometimes called Buy And Hold is one of the easiest property strategies to execute, especially for an expat investor. In this episode, Dan and Sam run through the basics of what it all means and how to get started.
Stay tuned until the end for this week's Expat Essential, where Dan recommends a browser extension that can really help with negotiating a property price.
Got questions or topics you’d like us to cover? Reach out to us on social media @ExpatMoneyClub or send an email to [email protected]. -
In this episode of the Expat Money Club, Dan and Sam dissect the current mortgage landscape, exploring how recent changes impact expat investors.
They cover the Bank of England base rate, the implications for mortgage products, and compare interest rates for personal, buy-to-let, and limited company investments.
The discussion extends to the potential effects of the upcoming UK election on property markets.
Timecodes:
[00:01:00] Understanding the Bank of England base rate
[00:02:00] Historical context and comparison of interest rates
[00:04:00] Current mortgage rates for UK residents and expats
[00:06:00] Interest rates for buy-to-let properties
[00:08:00] Economic factors affecting mortgage rates
[00:09:00] Impact of the upcoming UK election on property investment
[00:11:00] Practical tips for property investors in the current market
Stay tuned until the end for this week's Expat Essential, where Dan recommends the Grab app, a must-have for expats in Southeast Asia [00:13:00].
Got questions or topics you’d like us to cover? Reach out to us on social media @ExpatMoneyClub or send an email to [email protected]. -
Missing episodes?
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In this episode of the Expat Money Club, Dan and Sam dive deeper into investing strategies, building on the previous week's introduction to the stock market.
They discuss the differences between banks and broker platforms, outline various investment strategies, and provide practical advice on choosing the right investment approach.
Whether you're new to investing or looking to optimize your investment strategy, this episode offers valuable guidance for expats and digital nomads.
Timecodes:
[00:01:00] Recap of stock market basics
[00:02:00] Differences between traditional banks and online broker platforms
[00:04:00] Validating investment platforms and ensuring they are regulated
[00:06:00] Strategies for investing in individual stocks
[00:09:00] Benefits of investing in funds
[00:11:00] Advantages of index funds and popular indexes
[00:16:00] Investment strategies: Lump sum investing vs. dollar cost averaging
Stay tuned until the end for this week's Expat Essential, where Dan and Sam recommend the book "How to Own the World" by Andrew Craig, a valuable resource for understanding global investment strategies [00:22:00].
Got questions or topics you’d like us to cover? Reach out to us on social media @ExpatMoneyClub or send an email to [email protected]. -
In this episode of the Expat Money Club, Dan and Sam break down the basics of investing in stocks, shares, ETFs, and indexes.
They simplify these complex topics, explaining how these investment tools can help build wealth with a set-and-forget mentality.
Whether you're a novice investor or looking to diversify your portfolio, this episode provides essential insights for expats and digital nomads.
Key topics discussed:
[00:01:00] The fundamentals of stocks and shares
[00:01:45] Understanding ETFs and their differences from mutual funds
[00:03:45] The purpose and benefits of index funds
[00:06:00] Active vs. passive investment strategies
[00:07:00] The significance of accumulation and income funds
Stay tuned until the end for this week's Expat Essential, where Sam highlights the benefits of using interactive brokers for expats [00:17:00].
Got questions or topics you’d like us to cover? Reach out to us on social media @ExpatMoneyClub or send an email to [email protected]. -
There's a lot to consider when buying property. Even more when you're remote. And yet even more when remote in a different country. Dan and Sam have a look at the absolute top level when considering property as an Expat.
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Dan and Sam discuss the process of setting up bank accounts and credit cards as an expat in Hong Kong. From the first steps to take, the differences between international and local banks, the challenges expats may face, and the documents required. They also touch on building and maintaining credit history, sending money between Hong Kong and the UK, protecting oneself from fraud and scams, and the financial services available in Hong Kong.
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Heading off into the sunset as to become an expat is super exciting. And today on the pod, we're looking to make as smooth as possible too. From setting up bank accounts to planning for retirement, we're diving into all the key considerations for starting your new life abroad to help you make an experience to remember.
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When people think of property investing, they might automatically think of the big picture aspects like attending property viewings or negotiating with estate agents. But there are a lot of things that can be done in the background to help make your property journey as smooth as possible. In this episode, that’s exactly what Dan and Sam are sharing.
And this week’s Expat Essential is a background tool that Dan has used a lot and won't shut up about. Have a look here.
Find out more, get in touch and say "hello!" - click here -
The beginning of any journey starts with a single step and often it’s that 1st step that is the most difficult. But once you get moving, momentum can help move you forward and even increase your pace. That’s exactly what the snowball effect is and in today’s episode, that’s what Sam and Dan are discussing.
And to help you keep your momentum, this week’s Expat Essential is an app that can help you stay focused. Have a look here.
Find out more, get in touch and say "hello!" - click here -
Getting the money together for the 1st deposit is a big step. An important step. But is only the 1st step when it comes to budgeting for a property purchase. Today, we’re looking at the “other” costs when it comes to buying property.
And make sure you check out this week’s Expat Essential - it’s a book recommendation from Sam that will change the way you view money. Check it out here.
Find out more, get in touch and say "hello!" - click here -
Just because you’re based in Hong Kong or Singapore or anywhere else in the world, doesn’t mean you can start researching your next investment right now. There’s a bunch of different ways you can do your due diligence without leaving your desk. Today Dan and Sam give you 6 steps on how to do that.
And this week’s Expat Essential is something that has literally blown Dan’s mind. Find out more here.
Find out more, get in touch and say "hello!" - click here -
So you’ve moved overseas, finally been able to travel, smashed every bottomless brunch in town, and somehow managed to save some cash. But what do you do with it? In today’s episode, Dan and Sam run through some different strategies you can execute with £100k to deploy.
Our Expat Essential this week is a reason to celebrate living in such an amazing place as Hong Kong. Dan has sniffed out a bowl of noodles that he won’t shut up about, so we’re letting him tell everyone about it, so he finally gets it out of his system. Find the noodle shop here.
Find out more, get in touch, and say "hello!" - click here -
There are A LOT of property strategies out there and it can be hard to identify which one is right for you. In this episode, Dan and Sam unpick 4 of today's most popular property strategies and look at them from an expat’s point of view.
Our Expat Essential this week is a book - that to be fair would have made more sense in last week’s episode, but nonetheless, it’s a great resource. It’s called Enough and you can learn more about it here.
Find out more, get in touch and say "hello!" - click here -
How many properties do you want to buy? 5? 10? 20? It’s a question that’s different for everyone and it changes over time as your goals do. In this episode, Dan and Sam talk about how to identify if you’re already where you want to be or what you should be asking yourself if you are on your journey to financial freedom.
And our dull on on surface, but definitely not in reality (Dan’s words) Expat Essential this week is note-taking on the Kindle. This article has really helped us out and we’ve found a great service that does it too. Check it out here.
Find out more, get in touch and say "hello!" - click here -
Should you be investing for Capital Growth or Yield? Which is better? In this episode, Dan and Sam break it down so you can make up your own mind to help you reach your financial goals.
Below are the calculations they use to determine yield and growth:
Gross Yield:
Purchase price = £100,000
Annual rental income = £5,000
5,000 / 100,000 = 0.05 x 100 = 5%
Net Yield:
Purchase price = £100,000
Annual rental income = £5,000
Property expenses = £3,500Profit = £1,500 (Rental income minus expenses)
1,500 / 100,000 = 0.015 x 100 = 1.5%
Growth:
Purchase price = £100,000
Price Growth = 5%
100,000 x 1.05 = £105,000
To compound, multiply again by growth rate - eg 5%
105,000 x 1.05 = £110,250
110,250 x 1.05 = £115,762.50
115,762.50 x 1.05 = £121,550.63
And don’t miss this week’s Expat Essential as we’ve found a clever bit of AI that will help expats and digital nomads get their set up in no time. Check it out here.
Find out more, get in touch and say "hello!" - click here -
Mortgages are dominating headlines at the moment, but how essential are they to expat investors? In this episode, Dan and Sam run through mortgages from top to bottom. What are they? How do they work? And should you be using one?
Make sure you stick around until the end for this week’s Expat Essential as we’ve found peace of mind for expats and digital nomads looking for a little security while traveling. Check it out here.
Find out more, get in touch and say "hello!" - click here -
News feeds all through the UK (and the world) are littered with headlines about a “Mortgage Ticking Timebomb”. In this episode, Dan and Sam break down what is actually happening, why it’s happening, and what expat investors can do about it.
We’ve also got a great Expat Essential that will give you a much deeper understanding of how this whole economy actually works from one of the best minds in finance - check it out here.
Find out more, get in touch and say "hello!" - click here -
04 - The Mindset of Remote Investing
Wrapping your head around being a remote investor can unlock greater returns. In this episode, Dan and Sam reveal the challenges for expats wanting to invest, steps you can take to overcome them and how limiting yourself to your hometown, where you “know the area” might not be the best way to implement your strategy.
Getting easily distracted while planning your next investment? This week’s Expat Essential is an app called Freedom which sould help with that. Get a free trial here.
Find out more, get in touch and say "hello!" - click here -
Getting started can be a daunting step, especially as an expat and the market you want to invest in is around a 14-hour flight away. But there’s a lot you can do remotely with just your laptop and phone. In today’s episode, Dan and Sam run you through the steps you can take from home to get yourself started. We’ve even dedicated the Expat Essential to this, with a to-do checklist and stamp duty calculator.
Step 1 - Discover more about which strategy appeals to you. (Some will be more difficult than others for an expat):Buy To LetServiced Accommodation/Short Term Lets (Airbnb etc)HMO (House in Multiple Occupation)FlippingOff PlanRefurb, Refinance, Rent
Step 2 - Start doing top-level research of the area you want to begin targeting. Look for strong fundamentals like:Transport LinksInfrastructureSchools/UniversitiesHospitalsEmployment prospectsFuture Investment
Step 3 - Research and build your power team. Speak with multiple people to get as many points of view as possible:AccountantMortgage Broker - Don’t forget Stamp Duty is different for an expatEstate AgentsSolicitorsTrades People
Find out more, get in touch and say "hello!" - click here -
In episode 3 Dan and Sam stress the importance of investing, the different investment vehicles available and why not investing is actually costing you money.
Also, they look at what’s happening with interest rates for expats.
And this week’s Expat Essential is an app that will help with your productivity.
Find out more, get in touch and say "hello!" - click here - Show more
